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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $63,510 | $75,720-16.1% | $90,312-29.7% | $86,983-27.0% |
| Participation rate | 50.0% | 66.3%-16.3pp | 72.9%-22.9pp | 69.5%-19.5pp |
| Annual return | 37.70% | 18.55%+19.1pp | 18.90%+18.8pp | 25.83%+11.9pp |
| Employer contribution / active EE | $2,193 | $1,945+12.7% | $2,243-2.2% | $2,584-15.2% |
| Participant deferral / active EE | $7,308 | $3,001+143.6% | $3,749+94.9% | $4,194+74.3% |
| Admin fee / account holder | $3,755 | $6,201-39.4% | $8,248-54.5% | $7,856-52.2% |